Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 607 |
| Cost of funding earning assets | 1.4533% | 457 |
| Net interest margin | 3.9980% | 1,867 |
| Noninterest income to average assets | 0.8495% | 1,298 |
| Noninterest expense to average assets | 2.9255% | 2,222 |
| Loan and lease loss provision to assets | 0.0801% | 2,394 |
| Net operating income to assets | 1.2978% | 1,697 |
| Return on assets (ROA) | 1.2978% | 1,773 |
| Pretax return on assets | 1.6171% | 1,436 |
| Return on Equity (ROE) | 15.6622% | 579 |
| Retained earnings to average equity (ytd only) | 9.7580% | 540 |
| Net charge-offs to loans | 0.0099% | 3,328 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 212.0000% | 381 |
| Efficiency ratio | 61.6702% | 3,427 |
| Assets per employee ($millions) | 3.6659% | 4,297 |
| Cash dividends to net income (ytd only)* | 37.6971% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4249% | 4,968 |
| Loan loss allowance to noncurrent loans | 531.6456% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 4,209 |
| Noncurrent loans to loans | 0.0799% | 4,202 |
| Net loans and leases to total assets | 81.3563% | 637 |
| Net loans and leases to deposits | 88.7298% | 1,740 |
| Net loans and leases to core deposits | 96.5858% | 1,850 |
| Total domestic deposits to total assets | 91.6899% | 57 |
| Equity capital to assets | 8.0629% | 5,050 |
| Core capital (leverage) ratio | 7.7503% | 5,077 |
| Tier 1 risk-based capital ratio | 10.2214% | 5,088 |
| Total risk-based capital ratio | 10.6881% | 5,147 |
| Memoranda: | ||
| Average total assets | $112,424,400 | 3,798 |
| Average earning assets | $106,102,000 | 3,775 |
| Average equity | $9,315,400 | 4,331 |
| Average total loans | $90,905,400 | 3,377 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4462% | 646 |
| Cost of funding earning assets | 1.4399% | 498 |
| Net interest margin | 4.0063% | 1,912 |
| Noninterest income to average assets | 0.9817% | 968 |
| Noninterest expense to average assets | 3.0671% | 1,784 |
| Loan and lease loss provision to assets | 0.1088% | 1,787 |
| Net operating income to assets | 1.2694% | 1,951 |
| Return on assets (ROA) | 1.2694% | 2,029 |
| Pretax return on assets | 1.5898% | 1,674 |
| Return on Equity (ROE) | 15.2076% | 735 |
| Retained earnings to average equity (ytd only) | 10.8626% | 555 |
| Net charge-offs to loans | 0.0150% | 2,860 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 140.5319% | 567 |
| Efficiency ratio | 62.7600% | 3,205 |
| Assets per employee ($millions) | 3.6343% | 4,354 |
| Cash dividends to net income (ytd only)* | 28.5713% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4324% | 5,035 |
| Loan loss allowance to noncurrent loans | 1,676.0000% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 4,373 |
| Noncurrent loans to loans | 0.0258% | 4,563 |
| Net loans and leases to total assets | 82.9534% | 454 |
| Net loans and leases to deposits | 90.7862% | 1,592 |
| Net loans and leases to core deposits | 98.6351% | 1,774 |
| Total domestic deposits to total assets | 91.3722% | 68 |
| Equity capital to assets | 8.2434% | 5,079 |
| Core capital (leverage) ratio | 7.8507% | 5,146 |
| Tier 1 risk-based capital ratio | 10.2731% | 5,137 |
| Total risk-based capital ratio | 10.7504% | 5,214 |
| Memoranda: | ||
| Average total assets | $110,287,000 | 3,871 |
| Average earning assets | $104,167,750 | 3,844 |
| Average equity | $9,205,750 | 4,390 |
| Average total loans | $88,921,750 | 3,464 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3802% | 702 |
| Cost of funding earning assets | 1.3968% | 541 |
| Net interest margin | 3.9834% | 1,970 |
| Noninterest income to average assets | 1.1950% | 596 |
| Noninterest expense to average assets | 3.0550% | 1,851 |
| Loan and lease loss provision to assets | 0.1108% | 1,688 |
| Net operating income to assets | 1.4388% | 1,327 |
| Return on assets (ROA) | 1.4388% | 1,374 |
| Pretax return on assets | 1.7953% | 1,043 |
| Return on Equity (ROE) | 17.1611% | 450 |
| Retained earnings to average equity (ytd only) | 14.2972% | 210 |
| Net charge-offs to loans | -0.0023% | 3,980 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0149% | 3,727 |
| Assets per employee ($millions) | 3.4920% | 4,506 |
| Cash dividends to net income (ytd only)* | 16.6881% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4362% | 5,077 |
| Loan loss allowance to noncurrent loans | 1,538.4615% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 4,202 |
| Noncurrent loans to loans | 0.0284% | 4,581 |
| Net loans and leases to total assets | 79.2306% | 1,008 |
| Net loans and leases to deposits | 86.7050% | 2,169 |
| Net loans and leases to core deposits | 94.7549% | 2,181 |
| Total domestic deposits to total assets | 91.3795% | 67 |
| Equity capital to assets | 8.2274% | 5,136 |
| Core capital (leverage) ratio | 7.9216% | 5,182 |
| Tier 1 risk-based capital ratio | 10.6040% | 5,071 |
| Total risk-based capital ratio | 11.0808% | 5,209 |
| Memoranda: | ||
| Average total assets | $108,283,000 | 3,923 |
| Average earning assets | $102,375,000 | 3,893 |
| Average equity | $9,078,670 | 4,426 |
| Average total loans | $86,264,670 | 3,547 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2050% | 905 |
| Cost of funding earning assets | 1.3164% | 631 |
| Net interest margin | 3.8887% | 2,229 |
| Noninterest income to average assets | 0.7366% | 1,475 |
| Noninterest expense to average assets | 3.1525% | 1,612 |
| Loan and lease loss provision to assets | 0.1145% | 1,543 |
| Net operating income to assets | 0.9541% | 3,032 |
| Return on assets (ROA) | 0.9541% | 3,073 |
| Pretax return on assets | 1.1564% | 2,957 |
| Return on Equity (ROE) | 11.2644% | 1,837 |
| Retained earnings to average equity (ytd only) | 8.1104% | 1,614 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4564% | 2,429 |
| Assets per employee ($millions) | 3.3996% | 4,659 |
| Cash dividends to net income (ytd only)* | 28.0000% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4266% | 5,149 |
| Loan loss allowance to noncurrent loans | 1,317.8571% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 4,203 |
| Noncurrent loans to loans | 0.0324% | 4,628 |
| Net loans and leases to total assets | 79.1639% | 969 |
| Net loans and leases to deposits | 86.5763% | 2,060 |
| Net loans and leases to core deposits | 95.3119% | 1,995 |
| Total domestic deposits to total assets | 91.4383% | 105 |
| Equity capital to assets | 8.2583% | 5,102 |
| Core capital (leverage) ratio | 8.1480% | 5,160 |
| Tier 1 risk-based capital ratio | 10.5777% | 5,156 |
| Total risk-based capital ratio | 11.0420% | 5,284 |
| Memoranda: | ||
| Average total assets | $104,806,000 | 4,021 |
| Average earning assets | $99,365,500 | 3,978 |
| Average equity | $8,877,500 | 4,485 |
| Average total loans | $83,545,500 | 3,621 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0229% | 1,000 |
| Cost of funding earning assets | 1.0112% | 719 |
| Net interest margin | 4.0117% | 1,947 |
| Noninterest income to average assets | 1.1838% | 659 |
| Noninterest expense to average assets | 3.2809% | 1,369 |
| Loan and lease loss provision to assets | 0.1336% | 1,627 |
| Net operating income to assets | 1.2228% | 2,074 |
| Return on assets (ROA) | 1.2228% | 2,066 |
| Pretax return on assets | 1.5424% | 1,647 |
| Return on Equity (ROE) | 13.0519% | 1,326 |
| Retained earnings to average equity (ytd only) | 7.7027% | 1,374 |
| Net charge-offs to loans | -0.0087% | 4,457 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3002% | 3,143 |
| Assets per employee ($millions) | 3.3608% | 4,696 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4206% | 5,196 |
| Loan loss allowance to noncurrent loans | 521.5385% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 3,988 |
| Noncurrent loans to loans | 0.0806% | 4,388 |
| Net loans and leases to total assets | 79.6062% | 997 |
| Net loans and leases to deposits | 87.4534% | 2,121 |
| Net loans and leases to core deposits | 95.0769% | 2,129 |
| Total domestic deposits to total assets | 91.0270% | 202 |
| Equity capital to assets | 8.6992% | 4,801 |
| Core capital (leverage) ratio | 8.3500% | 5,089 |
| Tier 1 risk-based capital ratio | 10.9025% | 5,017 |
| Total risk-based capital ratio | 11.3529% | 5,227 |
| Memoranda: | ||
| Average total assets | $89,793,200 | 4,273 |
| Average earning assets | $84,453,600 | 4,244 |
| Average equity | $8,412,600 | 4,543 |
| Average total loans | $69,342,400 | 3,880 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9067% | 1,142 |
| Cost of funding earning assets | 0.9255% | 817 |
| Net interest margin | 3.9812% | 2,009 |
| Noninterest income to average assets | 1.0294% | 903 |
| Noninterest expense to average assets | 3.3227% | 1,253 |
| Loan and lease loss provision to assets | 0.1379% | 1,451 |
| Net operating income to assets | 1.0310% | 2,958 |
| Return on assets (ROA) | 1.0310% | 2,968 |
| Pretax return on assets | 1.3052% | 2,609 |
| Return on Equity (ROE) | 10.7811% | 2,272 |
| Retained earnings to average equity (ytd only) | 8.3782% | 1,481 |
| Net charge-offs to loans | -0.0100% | 4,402 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6953% | 2,593 |
| Assets per employee ($millions) | 3.2688% | 4,814 |
| Cash dividends to net income (ytd only)* | 22.2888% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4084% | 5,277 |
| Loan loss allowance to noncurrent loans | 466.6667% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 3,997 |
| Noncurrent loans to loans | 0.0875% | 4,491 |
| Net loans and leases to total assets | 79.2276% | 1,128 |
| Net loans and leases to deposits | 87.4796% | 2,214 |
| Net loans and leases to core deposits | 93.7440% | 2,312 |
| Total domestic deposits to total assets | 90.5669% | 320 |
| Equity capital to assets | 9.0839% | 4,473 |
| Core capital (leverage) ratio | 8.7043% | 4,958 |
| Tier 1 risk-based capital ratio | 11.2579% | 4,923 |
| Total risk-based capital ratio | 11.6882% | 5,176 |
| Memoranda: | ||
| Average total assets | $87,035,250 | 4,363 |
| Average earning assets | $81,681,500 | 4,335 |
| Average equity | $8,323,000 | 4,601 |
| Average total loans | $66,527,500 | 3,983 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8149% | 1,210 |
| Cost of funding earning assets | 0.8451% | 941 |
| Net interest margin | 3.9698% | 1,961 |
| Noninterest income to average assets | 1.0349% | 901 |
| Noninterest expense to average assets | 3.3914% | 1,141 |
| Loan and lease loss provision to assets | 0.1421% | 1,367 |
| Net operating income to assets | 0.9615% | 3,187 |
| Return on assets (ROA) | 0.9615% | 3,191 |
| Pretax return on assets | 1.2173% | 2,882 |
| Return on Equity (ROE) | 9.8699% | 2,624 |
| Retained earnings to average equity (ytd only) | 7.4389% | 1,870 |
| Net charge-offs to loans | -0.0126% | 4,392 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2921% | 2,429 |
| Assets per employee ($millions) | 2.8453% | 5,196 |
| Cash dividends to net income (ytd only)* | 24.6305% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4103% | 5,348 |
| Loan loss allowance to noncurrent loans | 865.6250% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 2,682 |
| Noncurrent loans to loans | 0.0474% | 4,708 |
| Net loans and leases to total assets | 73.8465% | 1,966 |
| Net loans and leases to deposits | 82.5786% | 2,706 |
| Net loans and leases to core deposits | 87.7918% | 2,740 |
| Total domestic deposits to total assets | 89.4257% | 764 |
| Equity capital to assets | 9.2157% | 4,364 |
| Core capital (leverage) ratio | 8.8622% | 4,827 |
| Tier 1 risk-based capital ratio | 11.7791% | 4,632 |
| Total risk-based capital ratio | 12.1963% | 4,971 |
| Memoranda: | ||
| Average total assets | $84,449,000 | 4,437 |
| Average earning assets | $79,046,000 | 4,419 |
| Average equity | $8,227,000 | 4,658 |
| Average total loans | $63,566,330 | 4,080 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 1,156 |
| Cost of funding earning assets | 0.7599% | 1,139 |
| Net interest margin | 4.0051% | 1,712 |
| Noninterest income to average assets | 1.0499% | 829 |
| Noninterest expense to average assets | 3.4998% | 1,002 |
| Loan and lease loss provision to assets | 0.1479% | 1,230 |
| Net operating income to assets | 0.9021% | 3,280 |
| Return on assets (ROA) | 0.9021% | 3,285 |
| Pretax return on assets | 1.1436% | 2,993 |
| Return on Equity (ROE) | 8.9871% | 2,912 |
| Retained earnings to average equity (ytd only) | 6.0405% | 2,695 |
| Net charge-offs to loans | -0.0260% | 4,679 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8848% | 2,365 |
| Assets per employee ($millions) | 3.0924% | 5,092 |
| Cash dividends to net income (ytd only)* | 32.7869% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3889% | 5,436 |
| Loan loss allowance to noncurrent loans | 312.6582% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 2,447 |
| Noncurrent loans to loans | 0.1244% | 4,407 |
| Net loans and leases to total assets | 75.7650% | 1,575 |
| Net loans and leases to deposits | 84.2063% | 2,368 |
| Net loans and leases to core deposits | 89.3692% | 2,507 |
| Total domestic deposits to total assets | 89.9754% | 663 |
| Equity capital to assets | 9.8197% | 3,772 |
| Core capital (leverage) ratio | 9.5643% | 3,999 |
| Tier 1 risk-based capital ratio | 12.3408% | 4,349 |
| Total risk-based capital ratio | 12.7410% | 4,762 |
| Memoranda: | ||
| Average total assets | $81,148,000 | 4,545 |
| Average earning assets | $75,802,500 | 4,529 |
| Average equity | $8,145,000 | 4,722 |
| Average total loans | $61,592,000 | 4,164 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 1,607 |
| Cost of funding earning assets | 0.6294% | 1,423 |
| Net interest margin | 3.9048% | 2,076 |
| Noninterest income to average assets | 0.8459% | 1,421 |
| Noninterest expense to average assets | 3.2567% | 1,475 |
| Loan and lease loss provision to assets | 0.1415% | 1,606 |
| Net operating income to assets | 0.7549% | 3,369 |
| Return on assets (ROA) | 0.7579% | 3,396 |
| Pretax return on assets | 1.0971% | 3,197 |
| Return on Equity (ROE) | 7.6880% | 2,956 |
| Retained earnings to average equity (ytd only) | 2.7238% | 3,684 |
| Net charge-offs to loans | -0.0167% | 4,905 |
| Credit loss provision to net charge-offs | -1,225.0000% | 5,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8168% | 2,592 |
| Assets per employee ($millions) | 3.0308% | 5,174 |
| Cash dividends to net income (ytd only)* | 64.5714% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3569% | 5,523 |
| Loan loss allowance to noncurrent loans | 157.7778% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 4,004 |
| Noncurrent loans to loans | 0.2262% | 4,000 |
| Net loans and leases to total assets | 75.4610% | 1,686 |
| Net loans and leases to deposits | 85.6694% | 2,304 |
| Net loans and leases to core deposits | 90.6339% | 2,499 |
| Total domestic deposits to total assets | 88.0839% | 1,456 |
| Equity capital to assets | 10.2676% | 3,417 |
| Core capital (leverage) ratio | 9.8419% | 3,647 |
| Tier 1 risk-based capital ratio | 13.3589% | 3,710 |
| Total risk-based capital ratio | 13.7343% | 4,113 |
| Memoranda: | ||
| Average total assets | $69,272,600 | 4,789 |
| Average earning assets | $64,664,600 | 4,771 |
| Average equity | $6,828,800 | 4,968 |
| Average total loans | $47,819,200 | 4,518 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4272% | 1,865 |
| Cost of funding earning assets | 0.5991% | 1,533 |
| Net interest margin | 3.8281% | 2,291 |
| Noninterest income to average assets | 0.8392% | 1,447 |
| Noninterest expense to average assets | 3.2091% | 1,535 |
| Loan and lease loss provision to assets | 0.1535% | 1,355 |
| Net operating income to assets | 0.7531% | 3,718 |
| Return on assets (ROA) | 0.7574% | 3,766 |
| Pretax return on assets | 1.0484% | 3,494 |
| Return on Equity (ROE) | 7.7788% | 3,245 |
| Retained earnings to average equity (ytd only) | 4.0941% | 3,483 |
| Net charge-offs to loans | -0.0208% | 4,857 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 2,537 |
| Assets per employee ($millions) | 3.2627% | 5,000 |
| Cash dividends to net income (ytd only)* | 47.3680% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3468% | 5,601 |
| Loan loss allowance to noncurrent loans | 48.4848% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5890% | 2,748 |
| Noncurrent loans to loans | 0.7153% | 2,571 |
| Net loans and leases to total assets | 73.5165% | 1,997 |
| Net loans and leases to deposits | 82.6675% | 2,696 |
| Net loans and leases to core deposits | 87.6394% | 2,807 |
| Total domestic deposits to total assets | 88.9303% | 923 |
| Equity capital to assets | 10.8778% | 2,981 |
| Core capital (leverage) ratio | 10.6977% | 2,767 |
| Tier 1 risk-based capital ratio | 14.0944% | 3,398 |
| Total risk-based capital ratio | 14.4515% | 3,791 |
| Memoranda: | ||
| Average total assets | $66,890,500 | 4,882 |
| Average earning assets | $62,309,750 | 4,860 |
| Average equity | $6,513,250 | 5,076 |
| Average total loans | $44,854,750 | 4,641 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 2,062 |
| Cost of funding earning assets | 0.5515% | 1,769 |
| Net interest margin | 3.7697% | 2,412 |
| Noninterest income to average assets | 0.7324% | 1,852 |
| Noninterest expense to average assets | 3.2381% | 1,498 |
| Loan and lease loss provision to assets | 0.1434% | 1,426 |
| Net operating income to assets | 0.6285% | 4,173 |
| Return on assets (ROA) | 0.6077% | 4,313 |
| Pretax return on assets | 0.8165% | 4,211 |
| Return on Equity (ROE) | 6.5400% | 3,803 |
| Retained earnings to average equity (ytd only) | 2.1800% | 4,372 |
| Net charge-offs to loans | -0.0290% | 4,940 |
| Credit loss provision to net charge-offs | -766.6667% | 4,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5251% | 2,091 |
| Assets per employee ($millions) | 3.1388% | 5,158 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3306% | 5,652 |
| Loan loss allowance to noncurrent loans | 37.5887% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 2,494 |
| Noncurrent loans to loans | 0.8795% | 2,219 |
| Net loans and leases to total assets | 69.4181% | 2,604 |
| Net loans and leases to deposits | 76.1723% | 3,321 |
| Net loans and leases to core deposits | 81.1814% | 3,327 |
| Total domestic deposits to total assets | 91.1330% | 191 |
| Equity capital to assets | 8.7294% | 5,120 |
| Core capital (leverage) ratio | 8.1403% | 5,465 |
| Tier 1 risk-based capital ratio | 11.6109% | 4,889 |
| Total risk-based capital ratio | 11.9511% | 5,313 |
| Memoranda: | ||
| Average total assets | $64,173,000 | 4,967 |
| Average earning assets | $59,474,670 | 4,965 |
| Average equity | $5,963,330 | 5,201 |
| Average total loans | $41,352,670 | 4,767 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 2,413 |
| Cost of funding earning assets | 0.4774% | 2,272 |
| Net interest margin | 3.6858% | 2,534 |
| Noninterest income to average assets | 0.7581% | 1,718 |
| Noninterest expense to average assets | 3.4341% | 1,138 |
| Loan and lease loss provision to assets | 0.0907% | 2,030 |
| Net operating income to assets | 0.5184% | 4,524 |
| Return on assets (ROA) | 0.5184% | 4,556 |
| Pretax return on assets | 0.6350% | 4,647 |
| Return on Equity (ROE) | 5.3954% | 4,194 |
| Retained earnings to average equity (ytd only) | -0.6070% | 5,016 |
| Net charge-offs to loans | -0.0211% | 4,774 |
| Credit loss provision to net charge-offs | -700.0000% | 4,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2835% | 1,452 |
| Assets per employee ($millions) | 3.1208% | 5,253 |
| Cash dividends to net income (ytd only)* | 111.2500% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3031% | 5,740 |
| Loan loss allowance to noncurrent loans | 37.5000% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 2,915 |
| Noncurrent loans to loans | 0.8084% | 2,431 |
| Net loans and leases to total assets | 61.7239% | 3,577 |
| Net loans and leases to deposits | 67.9557% | 3,993 |
| Net loans and leases to core deposits | 71.5395% | 4,025 |
| Total domestic deposits to total assets | 90.8296% | 351 |
| Equity capital to assets | 9.0651% | 4,745 |
| Core capital (leverage) ratio | 8.8309% | 4,925 |
| Tier 1 risk-based capital ratio | 13.0834% | 4,034 |
| Total risk-based capital ratio | 13.3850% | 4,525 |
| Memoranda: | ||
| Average total assets | $61,733,000 | 5,080 |
| Average earning assets | $56,975,500 | 5,076 |
| Average equity | $5,931,000 | 5,249 |
| Average total loans | $37,981,500 | 4,919 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 2,661 |
| Cost of funding earning assets | 0.3456% | 3,573 |
| Net interest margin | 3.8038% | 2,307 |
| Noninterest income to average assets | 0.8983% | 1,419 |
| Noninterest expense to average assets | 4.0565% | 555 |
| Loan and lease loss provision to assets | 0.1081% | 2,244 |
| Net operating income to assets | 0.1435% | 5,503 |
| Return on assets (ROA) | 0.1236% | 5,564 |
| Pretax return on assets | 0.1368% | 5,556 |
| Return on Equity (ROE) | 0.9716% | 5,572 |
| Retained earnings to average equity (ytd only) | -0.3296% | 5,355 |
| Net charge-offs to loans | -0.0279% | 5,219 |
| Credit loss provision to net charge-offs | -700.0000% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6284% | 480 |
| Assets per employee ($millions) | 2.7585% | 5,520 |
| Cash dividends to net income (ytd only)* | 133.9286% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3024% | 5,798 |
| Loan loss allowance to noncurrent loans | 29.3956% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 0.8752% | 2,158 |
| Noncurrent loans to loans | 1.0286% | 2,024 |
| Net loans and leases to total assets | 60.9039% | 3,746 |
| Net loans and leases to deposits | 68.2062% | 4,072 |
| Net loans and leases to core deposits | 69.9368% | 4,250 |
| Total domestic deposits to total assets | 89.2938% | 958 |
| Equity capital to assets | 10.2211% | 3,470 |
| Core capital (leverage) ratio | 9.8627% | 3,676 |
| Tier 1 risk-based capital ratio | 15.2647% | 2,854 |
| Total risk-based capital ratio | 15.5642% | 3,203 |
| Memoranda: | ||
| Average total assets | $45,309,600 | 5,433 |
| Average earning assets | $40,800,800 | 5,449 |
| Average equity | $5,763,800 | 5,319 |
| Average total loans | $25,051,400 | 5,349 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 2,671 |
| Cost of funding earning assets | 0.3393% | 3,662 |
| Net interest margin | 3.8138% | 2,282 |
| Noninterest income to average assets | 0.8856% | 1,457 |
| Noninterest expense to average assets | 4.2857% | 452 |
| Loan and lease loss provision to assets | 0.1297% | 1,807 |
| Net operating income to assets | -0.1170% | 5,765 |
| Return on assets (ROA) | -0.1487% | 5,793 |
| Pretax return on assets | -0.1487% | 5,783 |
| Return on Equity (ROE) | -1.0948% | 5,785 |
| Retained earnings to average equity (ytd only) | -1.9331% | 5,590 |
| Net charge-offs to loans | -0.0475% | 5,354 |
| Credit loss provision to net charge-offs | -512.5000% | 5,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3510% | 276 |
| Assets per employee ($millions) | 2.2877% | 5,806 |
| Cash dividends to net income (ytd only)* | -76.5917% | 5,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3196% | 5,845 |
| Loan loss allowance to noncurrent loans | 23.2019% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 2,365 |
| Noncurrent loans to loans | 1.3773% | 1,598 |
| Net loans and leases to total assets | 56.8119% | 4,219 |
| Net loans and leases to deposits | 63.8121% | 4,503 |
| Net loans and leases to core deposits | 64.8307% | 4,683 |
| Total domestic deposits to total assets | 89.0299% | 892 |
| Equity capital to assets | 10.8243% | 3,224 |
| Core capital (leverage) ratio | 10.1475% | 3,383 |
| Tier 1 risk-based capital ratio | 16.1752% | 2,555 |
| Total risk-based capital ratio | 16.4758% | 2,880 |
| Memoranda: | ||
| Average total assets | $42,154,750 | 5,562 |
| Average earning assets | $37,722,000 | 5,572 |
| Average equity | $5,724,500 | 5,386 |
| Average total loans | $22,467,250 | 5,485 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 2,662 |
| Cost of funding earning assets | 0.3263% | 3,834 |
| Net interest margin | 3.8272% | 2,218 |
| Noninterest income to average assets | 0.7703% | 1,845 |
| Noninterest expense to average assets | 4.4796% | 393 |
| Loan and lease loss provision to assets | 0.0158% | 3,797 |
| Net operating income to assets | -0.3219% | 5,886 |
| Return on assets (ROA) | -0.3535% | 5,901 |
| Pretax return on assets | -0.3535% | 5,893 |
| Return on Equity (ROE) | -2.3710% | 5,880 |
| Retained earnings to average equity (ytd only) | -3.6449% | 5,682 |
| Net charge-offs to loans | -0.0512% | 5,379 |
| Credit loss provision to net charge-offs | -60.0000% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5512% | 183 |
| Assets per employee ($millions) | 2.0952% | 5,920 |
| Cash dividends to net income (ytd only)* | -53.7313% | 6,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2694% | 5,950 |
| Loan loss allowance to noncurrent loans | 16.0326% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 2,594 |
| Noncurrent loans to loans | 1.6801% | 1,266 |
| Net loans and leases to total assets | 41.7056% | 5,349 |
| Net loans and leases to deposits | 47.0980% | 5,455 |
| Net loans and leases to core deposits | 47.6279% | 5,513 |
| Total domestic deposits to total assets | 88.5508% | 1,142 |
| Equity capital to assets | 11.3271% | 2,719 |
| Core capital (leverage) ratio | 10.1905% | 3,344 |
| Tier 1 risk-based capital ratio | 20.0524% | 1,454 |
| Total risk-based capital ratio | 20.2733% | 1,659 |
| Memoranda: | ||
| Average total assets | $37,905,000 | 5,705 |
| Average earning assets | $33,706,330 | 5,719 |
| Average equity | $5,651,670 | 5,451 |
| Average total loans | $19,525,670 | 5,648 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 1,172 |
| Cost of funding earning assets | 0.2805% | 4,382 |
| Net interest margin | 4.3552% | 822 |
| Noninterest income to average assets | 0.3913% | 3,895 |
| Noninterest expense to average assets | 4.0303% | 579 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2087% | 5,511 |
| Return on assets (ROA) | 0.1304% | 5,687 |
| Pretax return on assets | 0.1304% | 5,707 |
| Return on Equity (ROE) | 0.7258% | 5,736 |
| Retained earnings to average equity (ytd only) | -1.8871% | 5,377 |
| Net charge-offs to loans | -0.0654% | 5,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6923% | 572 |
| Assets per employee ($millions) | 2.3628% | 5,908 |
| Cash dividends to net income (ytd only)* | 360.0000% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2921% | 6,008 |
| Loan loss allowance to noncurrent loans | 17.0886% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 1.2339% | 1,764 |
| Noncurrent loans to loans | 1.7095% | 1,317 |
| Net loans and leases to total assets | 60.0046% | 3,771 |
| Net loans and leases to deposits | 74.9471% | 3,326 |
| Net loans and leases to core deposits | 76.5502% | 3,630 |
| Total domestic deposits to total assets | 80.0625% | 4,731 |
| Equity capital to assets | 19.5468% | 231 |
| Core capital (leverage) ratio | 19.3460% | 219 |
| Tier 1 risk-based capital ratio | 29.3003% | 533 |
| Total risk-based capital ratio | 29.5791% | 572 |
| Memoranda: | ||
| Average total assets | $30,668,000 | 5,897 |
| Average earning assets | $27,094,000 | 5,894 |
| Average equity | $5,511,000 | 5,507 |
| Average total loans | $18,336,500 | 5,738 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 1,890 |
| Cost of funding earning assets | 0.2842% | 4,425 |
| Net interest margin | 4.1189% | 1,366 |
| Noninterest income to average assets | 0.7811% | 1,859 |
| Noninterest expense to average assets | 3.7615% | 906 |
| Loan and lease loss provision to assets | 0.1088% | 2,175 |
| Net operating income to assets | 0.5821% | 4,372 |
| Return on assets (ROA) | 0.5570% | 4,564 |
| Pretax return on assets | 0.6403% | 4,703 |
| Return on Equity (ROE) | 3.4835% | 5,145 |
| Retained earnings to average equity (ytd only) | 0.6807% | 5,242 |
| Net charge-offs to loans | -0.1024% | 5,780 |
| Credit loss provision to net charge-offs | -212.5000% | 5,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8307% | 1,699 |
| Assets per employee ($millions) | 2.5517% | 5,862 |
| Cash dividends to net income (ytd only)* | 80.4598% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2804% | 6,064 |
| Loan loss allowance to noncurrent loans | 20.5645% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 1.0189% | 2,157 |
| Noncurrent loans to loans | 1.3635% | 1,720 |
| Net loans and leases to total assets | 59.2325% | 3,935 |
| Net loans and leases to deposits | 71.4055% | 3,774 |
| Net loans and leases to core deposits | 72.8803% | 4,049 |
| Total domestic deposits to total assets | 82.9523% | 3,847 |
| Equity capital to assets | 16.3880% | 480 |
| Core capital (leverage) ratio | 15.7981% | 489 |
| Tier 1 risk-based capital ratio | 24.9055% | 823 |
| Total risk-based capital ratio | 25.1732% | 922 |
| Memoranda: | ||
| Average total assets | $31,237,600 | 5,939 |
| Average earning assets | $28,502,600 | 5,931 |
| Average equity | $4,995,000 | 5,655 |
| Average total loans | $15,632,000 | 5,875 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 2,339 |
| Cost of funding earning assets | 0.2861% | 4,493 |
| Net interest margin | 3.9819% | 1,758 |
| Noninterest income to average assets | 0.4247% | 3,902 |
| Noninterest expense to average assets | 3.3596% | 1,561 |
| Loan and lease loss provision to assets | 0.1359% | 1,647 |
| Net operating income to assets | 0.5946% | 4,412 |
| Return on assets (ROA) | 0.5564% | 4,662 |
| Pretax return on assets | 0.5564% | 5,080 |
| Return on Equity (ROE) | 3.5007% | 5,215 |
| Retained earnings to average equity (ytd only) | 0.7216% | 5,399 |
| Net charge-offs to loans | -0.1156% | 5,839 |
| Credit loss provision to net charge-offs | -246.1538% | 5,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1391% | 1,376 |
| Assets per employee ($millions) | 2.3219% | 6,048 |
| Cash dividends to net income (ytd only)* | 79.3885% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2649% | 6,157 |
| Loan loss allowance to noncurrent loans | 14.3302% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 1.3020% | 1,793 |
| Noncurrent loans to loans | 1.8485% | 1,265 |
| Net loans and leases to total assets | 57.3762% | 4,212 |
| Net loans and leases to deposits | 69.0000% | 4,092 |
| Net loans and leases to core deposits | 70.4397% | 4,328 |
| Total domestic deposits to total assets | 83.1539% | 3,751 |
| Equity capital to assets | 16.6242% | 477 |
| Core capital (leverage) ratio | 15.6674% | 537 |
| Tier 1 risk-based capital ratio | 29.9620% | 527 |
| Total risk-based capital ratio | 30.2485% | 559 |
| Memoranda: | ||
| Average total assets | $31,392,000 | 6,019 |
| Average earning assets | $28,896,500 | 6,001 |
| Average equity | $4,989,250 | 5,726 |
| Average total loans | $14,993,000 | 5,972 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 2,654 |
| Cost of funding earning assets | 0.2797% | 4,619 |
| Net interest margin | 3.8891% | 2,022 |
| Noninterest income to average assets | 0.3774% | 4,249 |
| Noninterest expense to average assets | 3.3465% | 1,584 |
| Loan and lease loss provision to assets | 0.1573% | 1,354 |
| Net operating income to assets | 0.4592% | 4,948 |
| Return on assets (ROA) | 0.4592% | 5,038 |
| Pretax return on assets | 0.4592% | 5,332 |
| Return on Equity (ROE) | 2.9319% | 5,422 |
| Retained earnings to average equity (ytd only) | 0.2008% | 5,441 |
| Net charge-offs to loans | -0.1127% | 5,829 |
| Credit loss provision to net charge-offs | -312.5000% | 5,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4444% | 1,214 |
| Assets per employee ($millions) | 2.3583% | 6,099 |
| Cash dividends to net income (ytd only)* | 93.1507% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2153% | 6,244 |
| Loan loss allowance to noncurrent loans | 29.5652% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 3,630 |
| Noncurrent loans to loans | 0.7282% | 3,299 |
| Net loans and leases to total assets | 51.3993% | 4,808 |
| Net loans and leases to deposits | 61.4179% | 4,742 |
| Net loans and leases to core deposits | 62.6685% | 4,894 |
| Total domestic deposits to total assets | 83.6878% | 3,698 |
| Equity capital to assets | 16.1817% | 504 |
| Core capital (leverage) ratio | 14.8941% | 634 |
| Tier 1 risk-based capital ratio | 31.7410% | 466 |
| Total risk-based capital ratio | 31.9666% | 500 |
| Memoranda: | ||
| Average total assets | $31,794,330 | 6,078 |
| Average earning assets | $29,312,670 | 6,055 |
| Average equity | $4,979,670 | 5,782 |
| Average total loans | $14,202,330 | 6,056 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 3,282 |
| Cost of funding earning assets | 0.2817% | 4,647 |
| Net interest margin | 3.7028% | 2,610 |
| Noninterest income to average assets | 0.3461% | 4,430 |
| Noninterest expense to average assets | 3.1024% | 2,263 |
| Loan and lease loss provision to assets | 0.1360% | 1,524 |
| Net operating income to assets | 0.5191% | 4,586 |
| Return on assets (ROA) | 0.5191% | 4,707 |
| Pretax return on assets | 0.5191% | 5,127 |
| Return on Equity (ROE) | 3.3674% | 5,226 |
| Retained earnings to average equity (ytd only) | 0.6414% | 5,184 |
| Net charge-offs to loans | -0.1492% | 5,977 |
| Credit loss provision to net charge-offs | -220.0000% | 4,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5658% | 1,553 |
| Assets per employee ($millions) | 2.4885% | 6,116 |
| Cash dividends to net income (ytd only)* | 80.9524% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1154% | 6,343 |
| Loan loss allowance to noncurrent loans | 16.5049% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 3,247 |
| Noncurrent loans to loans | 0.6993% | 3,530 |
| Net loans and leases to total assets | 45.4731% | 5,240 |
| Net loans and leases to deposits | 53.8214% | 5,206 |
| Net loans and leases to core deposits | 54.3403% | 5,351 |
| Total domestic deposits to total assets | 84.4889% | 3,618 |
| Equity capital to assets | 15.4307% | 638 |
| Core capital (leverage) ratio | 15.0672% | 598 |
| Tier 1 risk-based capital ratio | 31.7726% | 468 |
| Total risk-based capital ratio | 31.8855% | 504 |
| Memoranda: | ||
| Average total assets | $32,362,500 | 6,137 |
| Average earning assets | $29,815,500 | 6,110 |
| Average equity | $4,989,000 | 5,837 |
| Average total loans | $13,407,500 | 6,139 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3318% | 6,495 |
| Cost of funding earning assets | 0.0273% | 6,458 |
| Net interest margin | 0.3045% | 6,494 |
| Noninterest income to average assets | 0.0433% | 6,305 |
| Noninterest expense to average assets | 0.3354% | 6,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0108% | 6,101 |
| Return on assets (ROA) | -0.0108% | 6,116 |
| Pretax return on assets | -0.0108% | 6,102 |
| Return on Equity (ROE) | -0.0626% | 6,114 |
| Retained earnings to average equity (ytd only) | -0.0626% | 5,776 |
| Net charge-offs to loans | -0.0083% | 5,529 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3333% | 302 |
| Assets per employee ($millions) | 2.3124% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0083% | 6,452 |
| Loan loss allowance to noncurrent loans | 0.9259% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 3,301 |
| Noncurrent loans to loans | 0.8935% | 3,083 |
| Net loans and leases to total assets | 37.3324% | 5,886 |
| Net loans and leases to deposits | 44.2111% | 5,871 |
| Net loans and leases to core deposits | 44.6373% | 5,938 |
| Total domestic deposits to total assets | 84.4412% | 3,539 |
| Equity capital to assets | 15.4012% | 629 |
| Core capital (leverage) ratio | 16.9060% | 379 |
| Tier 1 risk-based capital ratio | 34.2150% | 359 |
| Total risk-based capital ratio | 34.2225% | 392 |
| Memoranda: | ||
| Average total assets | $27,731,400 | 6,297 |
| Average earning assets | $25,618,600 | 6,268 |
| Average equity | $4,790,400 | 5,907 |
| Average total loans | $12,033,200 | 6,253 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2201% | 2,920 |
| Cost of funding earning assets | 0.2378% | 5,535 |
| Net interest margin | 3.9824% | 1,930 |
| Noninterest income to average assets | 0.2659% | 5,302 |
| Noninterest expense to average assets | 3.7334% | 1,075 |
| Loan and lease loss provision to assets | 0.8229% | 149 |
| Net operating income to assets | -0.5921% | 6,391 |
| Return on assets (ROA) | -0.5921% | 6,391 |
| Pretax return on assets | -0.5921% | 6,381 |
| Return on Equity (ROE) | -3.3181% | 6,326 |
| Retained earnings to average equity (ytd only) | -3.3181% | 6,165 |
| Net charge-offs to loans | 0.8652% | 382 |
| Credit loss provision to net charge-offs | 210.2564% | 1,225 |
| Earnings coverage of net charge-offs (x) | 0.5897% | 4,353 |
| Efficiency ratio | 94.1772% | 587 |
| Assets per employee ($millions) | 1.8801% | 6,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2215% | 914 |
| Loan loss allowance to noncurrent loans | 81.3814% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.9034% | 1,539 |
| Noncurrent loans to loans | 2.7297% | 1,033 |
| Net loans and leases to total assets | 45.3174% | 5,427 |
| Net loans and leases to deposits | 55.6993% | 5,264 |
| Net loans and leases to core deposits | 56.3838% | 5,427 |
| Total domestic deposits to total assets | 81.3609% | 4,711 |
| Equity capital to assets | 17.8223% | 352 |
| Core capital (leverage) ratio | 17.3240% | 338 |
| Tier 1 risk-based capital ratio | 38.6855% | 263 |
| Total risk-based capital ratio | 39.9390% | 260 |
| Memoranda: | ||
| Average total assets | $26,570,750 | 6,393 |
| Average earning assets | $24,674,750 | 6,356 |
| Average equity | $4,741,500 | 5,984 |
| Average total loans | $12,019,750 | 6,320 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 3,307 |
| Cost of funding earning assets | 0.2349% | 5,629 |
| Net interest margin | 3.8722% | 2,288 |
| Noninterest income to average assets | 0.2851% | 5,141 |
| Noninterest expense to average assets | 3.8493% | 909 |
| Loan and lease loss provision to assets | 0.6603% | 206 |
| Net operating income to assets | -0.8629% | 6,510 |
| Return on assets (ROA) | -0.8629% | 6,511 |
| Pretax return on assets | -0.6378% | 6,454 |
| Return on Equity (ROE) | -4.8336% | 6,431 |
| Retained earnings to average equity (ytd only) | -4.8336% | 6,227 |
| Net charge-offs to loans | 0.7692% | 494 |
| Credit loss provision to net charge-offs | 191.3043% | 1,216 |
| Earnings coverage of net charge-offs (x) | 0.0652% | 4,121 |
| Efficiency ratio | 99.4186% | 421 |
| Assets per employee ($millions) | 1.8440% | 6,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9052% | 1,574 |
| Loan loss allowance to noncurrent loans | 52.7907% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 2.4326% | 1,182 |
| Noncurrent loans to loans | 3.6089% | 722 |
| Net loans and leases to total assets | 45.2742% | 5,434 |
| Net loans and leases to deposits | 55.5619% | 5,231 |
| Net loans and leases to core deposits | 56.2572% | 5,393 |
| Total domestic deposits to total assets | 81.4844% | 4,817 |
| Equity capital to assets | 18.1825% | 318 |
| Core capital (leverage) ratio | 17.3749% | 336 |
| Tier 1 risk-based capital ratio | 38.8963% | 263 |
| Total risk-based capital ratio | 40.1558% | 260 |
| Memoranda: | ||
| Average total assets | $26,654,000 | 6,456 |
| Average earning assets | $24,688,670 | 6,417 |
| Average equity | $4,758,330 | 6,023 |
| Average total loans | $11,960,000 | 6,382 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 3,914 |
| Cost of funding earning assets | 0.2395% | 5,677 |
| Net interest margin | 3.7047% | 2,849 |
| Noninterest income to average assets | 0.5171% | 3,281 |
| Noninterest expense to average assets | 3.8415% | 931 |
| Loan and lease loss provision to assets | 0.4285% | 386 |
| Net operating income to assets | -0.5467% | 6,489 |
| Return on assets (ROA) | -0.5467% | 6,485 |
| Pretax return on assets | -0.3250% | 6,402 |
| Return on Equity (ROE) | -3.0894% | 6,409 |
| Retained earnings to average equity (ytd only) | -3.0894% | 5,973 |
| Net charge-offs to loans | 0.6676% | 552 |
| Credit loss provision to net charge-offs | 145.0000% | 1,287 |
| Earnings coverage of net charge-offs (x) | 0.3500% | 3,366 |
| Efficiency ratio | 97.3783% | 573 |
| Assets per employee ($millions) | 1.6806% | 6,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 2,515 |
| Loan loss allowance to noncurrent loans | 32.0661% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 2.7521% | 1,097 |
| Noncurrent loans to loans | 5.1446% | 425 |
| Net loans and leases to total assets | 43.0139% | 5,590 |
| Net loans and leases to deposits | 52.4131% | 5,432 |
| Net loans and leases to core deposits | 53.0356% | 5,562 |
| Total domestic deposits to total assets | 82.0670% | 4,921 |
| Equity capital to assets | 17.7470% | 336 |
| Core capital (leverage) ratio | 17.5184% | 328 |
| Tier 1 risk-based capital ratio | 39.2176% | 251 |
| Total risk-based capital ratio | 40.4750% | 246 |
| Memoranda: | ||
| Average total assets | $27,073,000 | 6,515 |
| Average earning assets | $25,049,000 | 6,475 |
| Average equity | $4,790,500 | 6,051 |
| Average total loans | $11,982,500 | 6,445 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 2,361 |
| Cost of funding earning assets | 0.2304% | 6,097 |
| Net interest margin | 4.2279% | 1,279 |
| Noninterest income to average assets | 0.6020% | 3,088 |
| Noninterest expense to average assets | 3.6234% | 1,409 |
| Loan and lease loss provision to assets | 0.1768% | 2,093 |
| Net operating income to assets | 0.5870% | 4,321 |
| Return on assets (ROA) | 0.5870% | 4,434 |
| Pretax return on assets | 0.7375% | 4,390 |
| Return on Equity (ROE) | 3.2924% | 5,405 |
| Retained earnings to average equity (ytd only) | 3.2080% | 3,949 |
| Net charge-offs to loans | 0.6313% | 1,037 |
| Credit loss provision to net charge-offs | 61.0390% | 3,528 |
| Earnings coverage of net charge-offs (x) | 3.1558% | 3,944 |
| Efficiency ratio | 79.8507% | 2,171 |
| Assets per employee ($millions) | 1.7036% | 6,695 |
| Cash dividends to net income (ytd only)* | 2.5641% | 4,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 3,117 |
| Loan loss allowance to noncurrent loans | 30.9883% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 2.2270% | 1,598 |
| Noncurrent loans to loans | 4.8914% | 531 |
| Net loans and leases to total assets | 44.0988% | 5,663 |
| Net loans and leases to deposits | 53.6967% | 5,493 |
| Net loans and leases to core deposits | 54.3252% | 5,651 |
| Total domestic deposits to total assets | 82.1257% | 4,830 |
| Equity capital to assets | 17.6432% | 341 |
| Core capital (leverage) ratio | 18.2408% | 287 |
| Tier 1 risk-based capital ratio | 38.7323% | 252 |
| Total risk-based capital ratio | 39.9887% | 246 |
| Memoranda: | ||
| Average total assets | $26,577,200 | 6,592 |
| Average earning assets | $24,740,600 | 6,559 |
| Average equity | $4,738,200 | 6,132 |
| Average total loans | $12,197,400 | 6,510 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 2,269 |
| Cost of funding earning assets | 0.2275% | 6,243 |
| Net interest margin | 4.2635% | 1,176 |
| Noninterest income to average assets | 0.6059% | 3,112 |
| Noninterest expense to average assets | 3.5444% | 1,513 |
| Loan and lease loss provision to assets | 0.1363% | 2,579 |
| Net operating income to assets | 0.6715% | 4,008 |
| Return on assets (ROA) | 0.6715% | 4,151 |
| Pretax return on assets | 0.8987% | 3,892 |
| Return on Equity (ROE) | 3.7566% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.7000% | 4,064 |
| Net charge-offs to loans | 0.2733% | 2,183 |
| Credit loss provision to net charge-offs | 108.0000% | 2,173 |
| Earnings coverage of net charge-offs (x) | 8.2007% | 2,663 |
| Efficiency ratio | 77.3980% | 2,496 |
| Assets per employee ($millions) | 1.6577% | 6,771 |
| Cash dividends to net income (ytd only)* | 1.5057% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 2,501 |
| Loan loss allowance to noncurrent loans | 33.8534% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 2.4545% | 1,575 |
| Noncurrent loans to loans | 5.1284% | 569 |
| Net loans and leases to total assets | 46.3070% | 5,518 |
| Net loans and leases to deposits | 56.7901% | 5,303 |
| Net loans and leases to core deposits | 57.4758% | 5,491 |
| Total domestic deposits to total assets | 81.5405% | 5,070 |
| Equity capital to assets | 18.0523% | 317 |
| Core capital (leverage) ratio | 18.0407% | 299 |
| Tier 1 risk-based capital ratio | 37.9278% | 269 |
| Total risk-based capital ratio | 39.1873% | 266 |
| Memoranda: | ||
| Average total assets | $26,407,250 | 6,672 |
| Average earning assets | $24,611,500 | 6,638 |
| Average equity | $4,720,500 | 6,219 |
| Average total loans | $12,195,500 | 6,578 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 2,160 |
| Cost of funding earning assets | 0.2207% | 6,365 |
| Net interest margin | 4.2904% | 1,050 |
| Noninterest income to average assets | 0.6144% | 3,104 |
| Noninterest expense to average assets | 3.5421% | 1,518 |
| Loan and lease loss provision to assets | 0.1365% | 2,619 |
| Net operating income to assets | 0.6902% | 3,855 |
| Return on assets (ROA) | 0.6902% | 4,025 |
| Pretax return on assets | 0.9178% | 3,842 |
| Return on Equity (ROE) | 3.8740% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.7888% | 3,887 |
| Net charge-offs to loans | 0.2977% | 1,993 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 7.7222% | 2,508 |
| Efficiency ratio | 77.0627% | 2,612 |
| Assets per employee ($millions) | 1.5997% | 6,828 |
| Cash dividends to net income (ytd only)* | 2.1978% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 2,674 |
| Loan loss allowance to noncurrent loans | 29.6143% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 2.8756% | 1,430 |
| Noncurrent loans to loans | 5.8388% | 506 |
| Net loans and leases to total assets | 47.7398% | 5,354 |
| Net loans and leases to deposits | 58.8131% | 5,089 |
| Net loans and leases to core deposits | 59.5526% | 5,299 |
| Total domestic deposits to total assets | 81.1721% | 5,297 |
| Equity capital to assets | 18.5427% | 289 |
| Core capital (leverage) ratio | 18.4619% | 255 |
| Tier 1 risk-based capital ratio | 38.3144% | 264 |
| Total risk-based capital ratio | 39.5737% | 257 |
| Memoranda: | ||
| Average total assets | $26,368,670 | 6,722 |
| Average earning assets | $24,473,000 | 6,689 |
| Average equity | $4,698,000 | 6,267 |
| Average total loans | $12,094,330 | 6,624 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 2,249 |
| Cost of funding earning assets | 0.2254% | 6,438 |
| Net interest margin | 4.2513% | 1,066 |
| Noninterest income to average assets | 0.5681% | 3,321 |
| Noninterest expense to average assets | 3.6478% | 1,340 |
| Loan and lease loss provision to assets | 0.1346% | 2,558 |
| Net operating income to assets | 0.5083% | 4,615 |
| Return on assets (ROA) | 0.5083% | 4,760 |
| Pretax return on assets | 0.7326% | 4,435 |
| Return on Equity (ROE) | 2.9097% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.9097% | 4,537 |
| Net charge-offs to loans | 0.6373% | 962 |
| Credit loss provision to net charge-offs | 47.3684% | 2,642 |
| Earnings coverage of net charge-offs (x) | 3.0526% | 2,855 |
| Efficiency ratio | 80.7947% | 2,209 |
| Assets per employee ($millions) | 1.8021% | 6,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 2,960 |
| Loan loss allowance to noncurrent loans | 40.5138% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 1.9089% | 2,465 |
| Noncurrent loans to loans | 4.2244% | 1,035 |
| Net loans and leases to total assets | 43.5537% | 5,711 |
| Net loans and leases to deposits | 52.8245% | 5,539 |
| Net loans and leases to core deposits | 53.4408% | 5,714 |
| Total domestic deposits to total assets | 82.4498% | 5,041 |
| Equity capital to assets | 17.3541% | 387 |
| Core capital (leverage) ratio | 17.8365% | 293 |
| Tier 1 risk-based capital ratio | 38.4855% | 262 |
| Total risk-based capital ratio | 39.7407% | 254 |
| Memoranda: | ||
| Average total assets | $26,755,500 | 6,781 |
| Average earning assets | $24,839,500 | 6,749 |
| Average equity | $4,674,000 | 6,349 |
| Average total loans | $11,924,500 | 6,698 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 2,397 |
| Cost of funding earning assets | 0.2853% | 6,523 |
| Net interest margin | 4.4646% | 1,011 |
| Noninterest income to average assets | 0.6022% | 3,266 |
| Noninterest expense to average assets | 3.7318% | 1,357 |
| Loan and lease loss provision to assets | 0.1783% | 3,398 |
| Net operating income to assets | 0.5507% | 4,472 |
| Return on assets (ROA) | 0.5507% | 4,728 |
| Pretax return on assets | 0.7844% | 4,349 |
| Return on Equity (ROE) | 3.0277% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.9188% | 4,175 |
| Net charge-offs to loans | 0.2243% | 3,599 |
| Credit loss provision to net charge-offs | 173.0769% | 1,522 |
| Earnings coverage of net charge-offs (x) | 9.3462% | 2,274 |
| Efficiency ratio | 79.4937% | 2,212 |
| Assets per employee ($millions) | 1.7653% | 6,952 |
| Cash dividends to net income (ytd only)* | 3.5971% | 4,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 2,554 |
| Loan loss allowance to noncurrent loans | 36.0738% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 2.4773% | 1,971 |
| Noncurrent loans to loans | 5.0206% | 792 |
| Net loans and leases to total assets | 44.0181% | 5,817 |
| Net loans and leases to deposits | 53.5883% | 5,685 |
| Net loans and leases to core deposits | 54.2266% | 5,856 |
| Total domestic deposits to total assets | 82.1412% | 5,046 |
| Equity capital to assets | 17.5869% | 359 |
| Core capital (leverage) ratio | 17.7979% | 294 |
| Tier 1 risk-based capital ratio | 38.5290% | 261 |
| Total risk-based capital ratio | 39.7948% | 255 |
| Memoranda: | ||
| Average total assets | $25,242,200 | 6,865 |
| Average earning assets | $23,137,400 | 6,834 |
| Average equity | $4,591,000 | 6,418 |
| Average total loans | $11,591,600 | 6,791 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8236% | 2,299 |
| Cost of funding earning assets | 0.3048% | 6,595 |
| Net interest margin | 4.5187% | 956 |
| Noninterest income to average assets | 0.6150% | 3,190 |
| Noninterest expense to average assets | 3.7380% | 1,311 |
| Loan and lease loss provision to assets | 0.1604% | 3,508 |
| Net operating income to assets | 0.5989% | 4,404 |
| Return on assets (ROA) | 0.5989% | 4,665 |
| Pretax return on assets | 0.8396% | 4,339 |
| Return on Equity (ROE) | 3.2644% | 5,588 |
| Retained earnings to average equity (ytd only) | 3.2644% | 4,572 |
| Net charge-offs to loans | 0.2315% | 3,332 |
| Credit loss provision to net charge-offs | 150.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 9.3487% | 2,332 |
| Efficiency ratio | 78.8939% | 2,248 |
| Assets per employee ($millions) | 1.6607% | 7,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 3,064 |
| Loan loss allowance to noncurrent loans | 54.0682% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 1.7704% | 2,955 |
| Noncurrent loans to loans | 3.1859% | 1,732 |
| Net loans and leases to total assets | 47.1819% | 5,641 |
| Net loans and leases to deposits | 58.2582% | 5,403 |
| Net loans and leases to core deposits | 59.0069% | 5,659 |
| Total domestic deposits to total assets | 80.9876% | 5,363 |
| Equity capital to assets | 18.6070% | 317 |
| Core capital (leverage) ratio | 19.5644% | 226 |
| Tier 1 risk-based capital ratio | 38.9889% | 264 |
| Total risk-based capital ratio | 40.2423% | 262 |
| Memoranda: | ||
| Average total assets | $24,932,750 | 6,960 |
| Average earning assets | $22,749,000 | 6,933 |
| Average equity | $4,574,500 | 6,498 |
| Average total loans | $11,521,750 | 6,887 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 2,542 |
| Cost of funding earning assets | 0.3125% | 6,680 |
| Net interest margin | 4.4786% | 1,033 |
| Noninterest income to average assets | 0.5934% | 3,292 |
| Noninterest expense to average assets | 3.8412% | 1,154 |
| Loan and lease loss provision to assets | 0.1443% | 3,715 |
| Net operating income to assets | 0.5052% | 4,798 |
| Return on assets (ROA) | 0.5052% | 5,054 |
| Pretax return on assets | 0.7458% | 4,676 |
| Return on Equity (ROE) | 2.7666% | 5,779 |
| Retained earnings to average equity (ytd only) | 2.7666% | 4,779 |
| Net charge-offs to loans | -0.0703% | 6,760 |
| Credit loss provision to net charge-offs | -450.0000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1864% | 2,004 |
| Assets per employee ($millions) | 1.6509% | 7,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8745% | 2,632 |
| Loan loss allowance to noncurrent loans | 68.3386% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.3285% | 3,779 |
| Noncurrent loans to loans | 2.7429% | 2,190 |
| Net loans and leases to total assets | 46.0830% | 5,818 |
| Net loans and leases to deposits | 56.7451% | 5,577 |
| Net loans and leases to core deposits | 57.4709% | 5,816 |
| Total domestic deposits to total assets | 81.2106% | 5,389 |
| Equity capital to assets | 18.5188% | 306 |
| Core capital (leverage) ratio | 18.1962% | 282 |
| Tier 1 risk-based capital ratio | 39.7987% | 233 |
| Total risk-based capital ratio | 41.0570% | 229 |
| Memoranda: | ||
| Average total assets | $24,940,330 | 7,012 |
| Average earning assets | $23,043,000 | 6,985 |
| Average equity | $4,554,330 | 6,528 |
| Average total loans | $11,376,000 | 6,949 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 3,242 |
| Cost of funding earning assets | 0.3275% | 6,738 |
| Net interest margin | 4.3265% | 1,389 |
| Noninterest income to average assets | 0.5913% | 3,291 |
| Noninterest expense to average assets | 3.7238% | 1,342 |
| Loan and lease loss provision to assets | 0.1438% | 3,563 |
| Net operating income to assets | 0.4954% | 4,849 |
| Return on assets (ROA) | 0.4954% | 5,055 |
| Pretax return on assets | 0.7352% | 4,672 |
| Return on Equity (ROE) | 2.7322% | 5,817 |
| Retained earnings to average equity (ytd only) | 2.7322% | 4,893 |
| Net charge-offs to loans | -0.2845% | 7,052 |
| Credit loss provision to net charge-offs | -112.5000% | 5,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9028% | 2,092 |
| Assets per employee ($millions) | 1.8281% | 7,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8984% | 2,679 |
| Loan loss allowance to noncurrent loans | 47.7578% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 1.7817% | 3,196 |
| Noncurrent loans to loans | 3.9750% | 1,542 |
| Net loans and leases to total assets | 43.0062% | 6,102 |
| Net loans and leases to deposits | 52.4193% | 5,945 |
| Net loans and leases to core deposits | 53.0611% | 6,124 |
| Total domestic deposits to total assets | 82.0427% | 5,281 |
| Equity capital to assets | 17.7932% | 354 |
| Core capital (leverage) ratio | 18.3496% | 279 |
| Tier 1 risk-based capital ratio | 39.6967% | 233 |
| Total risk-based capital ratio | 40.9519% | 232 |
| Memoranda: | ||
| Average total assets | $25,028,500 | 7,074 |
| Average earning assets | $23,206,000 | 7,044 |
| Average equity | $4,538,500 | 6,569 |
| Average total loans | $11,249,000 | 7,014 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2187% | 1,991 |
| Cost of funding earning assets | 0.4067% | 6,871 |
| Net interest margin | 4.8120% | 605 |
| Noninterest income to average assets | 0.7698% | 2,232 |
| Noninterest expense to average assets | 4.0549% | 955 |
| Loan and lease loss provision to assets | 0.2987% | 3,277 |
| Net operating income to assets | 0.5973% | 4,008 |
| Return on assets (ROA) | 0.5973% | 4,198 |
| Pretax return on assets | 0.8455% | 3,795 |
| Return on Equity (ROE) | 3.1849% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.1400% | 3,989 |
| Net charge-offs to loans | 0.4092% | 3,380 |
| Credit loss provision to net charge-offs | 157.7778% | 1,766 |
| Earnings coverage of net charge-offs (x) | 6.0444% | 2,610 |
| Efficiency ratio | 77.9935% | 2,588 |
| Assets per employee ($millions) | 1.5289% | 7,254 |
| Cash dividends to net income (ytd only)* | 1.4085% | 4,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7379% | 3,063 |
| Loan loss allowance to noncurrent loans | 40.3292% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 2.0276% | 2,929 |
| Noncurrent loans to loans | 4.3093% | 1,413 |
| Net loans and leases to total assets | 45.3011% | 6,077 |
| Net loans and leases to deposits | 55.6745% | 5,917 |
| Net loans and leases to core deposits | 56.3883% | 6,131 |
| Total domestic deposits to total assets | 81.3678% | 5,339 |
| Equity capital to assets | 18.4891% | 316 |
| Core capital (leverage) ratio | 18.9636% | 246 |
| Tier 1 risk-based capital ratio | 39.7033% | 233 |
| Total risk-based capital ratio | 40.9586% | 230 |
| Memoranda: | ||
| Average total assets | $23,773,600 | 7,132 |
| Average earning assets | $21,882,800 | 7,112 |
| Average equity | $4,458,600 | 6,612 |
| Average total loans | $10,996,800 | 7,081 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2602% | 1,990 |
| Cost of funding earning assets | 0.4169% | 6,971 |
| Net interest margin | 4.8434% | 573 |
| Noninterest income to average assets | 0.7909% | 2,099 |
| Noninterest expense to average assets | 3.9489% | 1,075 |
| Loan and lease loss provision to assets | 0.4011% | 2,445 |
| Net operating income to assets | 0.5254% | 4,428 |
| Return on assets (ROA) | 0.5254% | 4,609 |
| Pretax return on assets | 0.9039% | 3,744 |
| Return on Equity (ROE) | 2.7912% | 5,507 |
| Retained earnings to average equity (ytd only) | 2.7912% | 4,690 |
| Net charge-offs to loans | 0.3905% | 3,161 |
| Credit loss provision to net charge-offs | 221.8750% | 1,287 |
| Earnings coverage of net charge-offs (x) | 7.2180% | 2,396 |
| Efficiency ratio | 75.1613% | 2,980 |
| Assets per employee ($millions) | 1.4901% | 7,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8560% | 2,765 |
| Loan loss allowance to noncurrent loans | 63.7195% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.4177% | 4,003 |
| Noncurrent loans to loans | 2.9127% | 2,395 |
| Net loans and leases to total assets | 46.3552% | 6,112 |
| Net loans and leases to deposits | 57.3296% | 5,913 |
| Net loans and leases to core deposits | 58.0889% | 6,119 |
| Total domestic deposits to total assets | 80.8573% | 5,477 |
| Equity capital to assets | 18.7736% | 327 |
| Core capital (leverage) ratio | 18.9156% | 266 |
| Tier 1 risk-based capital ratio | 40.5913% | 238 |
| Total risk-based capital ratio | 41.8518% | 233 |
| Memoranda: | ||
| Average total assets | $23,601,250 | 7,210 |
| Average earning assets | $21,747,500 | 7,185 |
| Average equity | $4,442,500 | 6,665 |
| Average total loans | $10,926,500 | 7,154 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 1,837 |
| Cost of funding earning assets | 0.4237% | 7,079 |
| Net interest margin | 4.8913% | 502 |
| Noninterest income to average assets | 0.7398% | 2,326 |
| Noninterest expense to average assets | 3.8264% | 1,314 |
| Loan and lease loss provision to assets | 0.1531% | 4,400 |
| Net operating income to assets | 0.8928% | 2,668 |
| Return on assets (ROA) | 0.8928% | 2,779 |
| Pretax return on assets | 1.2755% | 2,224 |
| Return on Equity (ROE) | 4.7390% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.7390% | 3,167 |
| Net charge-offs to loans | 0.2959% | 3,395 |
| Credit loss provision to net charge-offs | 112.5000% | 2,726 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,800 |
| Efficiency ratio | 72.8155% | 3,579 |
| Assets per employee ($millions) | 1.5625% | 7,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 3,867 |
| Loan loss allowance to noncurrent loans | 51.3433% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.4720% | 4,004 |
| Noncurrent loans to loans | 3.0366% | 2,386 |
| Net loans and leases to total assets | 46.3370% | 6,230 |
| Net loans and leases to deposits | 57.5090% | 5,991 |
| Net loans and leases to core deposits | 58.2837% | 6,252 |
| Total domestic deposits to total assets | 80.5735% | 5,662 |
| Equity capital to assets | 19.1492% | 309 |
| Core capital (leverage) ratio | 18.8619% | 284 |
| Tier 1 risk-based capital ratio | 42.5201% | 205 |
| Total risk-based capital ratio | 43.7707% | 207 |
| Memoranda: | ||
| Average total assets | $23,521,000 | 7,277 |
| Average earning assets | $21,712,000 | 7,253 |
| Average equity | $4,431,330 | 6,707 |
| Average total loans | $10,815,000 | 7,229 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2032% | 2,211 |
| Cost of funding earning assets | 0.4017% | 7,222 |
| Net interest margin | 4.8016% | 569 |
| Noninterest income to average assets | 0.6790% | 2,684 |
| Noninterest expense to average assets | 3.9384% | 1,123 |
| Loan and lease loss provision to assets | 0.1528% | 4,111 |
| Net operating income to assets | 0.6790% | 3,614 |
| Return on assets (ROA) | 0.6790% | 3,680 |
| Pretax return on assets | 1.0525% | 2,934 |
| Return on Equity (ROE) | 3.6339% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.6339% | 3,998 |
| Net charge-offs to loans | 0.3362% | 2,714 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 7.8889% | 1,883 |
| Efficiency ratio | 76.5677% | 3,059 |
| Assets per employee ($millions) | 1.7236% | 7,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 3,756 |
| Loan loss allowance to noncurrent loans | 34.8361% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 2.0638% | 3,247 |
| Noncurrent loans to loans | 4.5744% | 1,519 |
| Net loans and leases to total assets | 43.5060% | 6,508 |
| Net loans and leases to deposits | 53.4277% | 6,352 |
| Net loans and leases to core deposits | 53.4277% | 6,595 |
| Total domestic deposits to total assets | 81.4298% | 5,525 |
| Equity capital to assets | 18.3299% | 349 |
| Core capital (leverage) ratio | 18.7765% | 279 |
| Tier 1 risk-based capital ratio | 41.6989% | 214 |
| Total risk-based capital ratio | 42.9528% | 210 |
| Memoranda: | ||
| Average total assets | $23,563,000 | 7,326 |
| Average earning assets | $21,909,500 | 7,298 |
| Average equity | $4,403,000 | 6,743 |
| Average total loans | $10,706,500 | 7,293 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4176% | 2,592 |
| Cost of funding earning assets | 0.4719% | 7,340 |
| Net interest margin | 4.9457% | 492 |
| Noninterest income to average assets | 0.8699% | 1,977 |
| Noninterest expense to average assets | 3.9598% | 1,220 |
| Loan and lease loss provision to assets | 0.4111% | 3,640 |
| Net operating income to assets | 0.6491% | 3,442 |
| Return on assets (ROA) | 0.6491% | 3,589 |
| Pretax return on assets | 1.0343% | 2,830 |
| Return on Equity (ROE) | 3.4671% | 4,766 |
| Retained earnings to average equity (ytd only) | 3.4209% | 3,472 |
| Net charge-offs to loans | 0.4995% | 3,621 |
| Credit loss provision to net charge-offs | 186.2745% | 1,753 |
| Earnings coverage of net charge-offs (x) | 6.5490% | 2,330 |
| Efficiency ratio | 73.2586% | 3,543 |
| Assets per employee ($millions) | 1.6426% | 7,528 |
| Cash dividends to net income (ytd only)* | 1.3333% | 3,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 3,653 |
| Loan loss allowance to noncurrent loans | 50.4451% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 1.5090% | 4,053 |
| Noncurrent loans to loans | 3.1363% | 2,431 |
| Net loans and leases to total assets | 45.9863% | 6,558 |
| Net loans and leases to deposits | 57.2024% | 6,334 |
| Net loans and leases to core deposits | 57.2024% | 6,623 |
| Total domestic deposits to total assets | 80.3922% | 5,723 |
| Equity capital to assets | 19.0598% | 316 |
| Core capital (leverage) ratio | 20.1073% | 233 |
| Tier 1 risk-based capital ratio | 42.0109% | 216 |
| Total risk-based capital ratio | 43.2666% | 204 |
| Memoranda: | ||
| Average total assets | $23,107,400 | 7,393 |
| Average earning assets | $21,190,000 | 7,372 |
| Average equity | $4,326,400 | 6,883 |
| Average total loans | $10,209,200 | 7,384 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4387% | 2,698 |
| Cost of funding earning assets | 0.4916% | 7,455 |
| Net interest margin | 4.9471% | 493 |
| Noninterest income to average assets | 0.8529% | 1,986 |
| Noninterest expense to average assets | 3.8440% | 1,290 |
| Loan and lease loss provision to assets | 0.4956% | 2,988 |
| Net operating income to assets | 0.6743% | 3,530 |
| Return on assets (ROA) | 0.6743% | 3,689 |
| Pretax return on assets | 1.0374% | 3,040 |
| Return on Equity (ROE) | 3.6176% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.6176% | 3,901 |
| Net charge-offs to loans | 0.6881% | 2,705 |
| Credit loss provision to net charge-offs | 165.3846% | 2,267 |
| Earnings coverage of net charge-offs (x) | 5.1155% | 2,844 |
| Efficiency ratio | 71.4898% | 3,805 |
| Assets per employee ($millions) | 1.6092% | 7,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 3,825 |
| Loan loss allowance to noncurrent loans | 49.3827% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 1.4381% | 4,297 |
| Noncurrent loans to loans | 3.0993% | 2,576 |
| Net loans and leases to total assets | 45.6922% | 6,726 |
| Net loans and leases to deposits | 57.0020% | 6,541 |
| Net loans and leases to core deposits | 59.9604% | 6,602 |
| Total domestic deposits to total assets | 80.1589% | 5,655 |
| Equity capital to assets | 19.3173% | 332 |
| Core capital (leverage) ratio | 18.8987% | 302 |
| Tier 1 risk-based capital ratio | 42.4130% | 209 |
| Total risk-based capital ratio | 43.6702% | 209 |
| Memoranda: | ||
| Average total assets | $23,135,250 | 7,487 |
| Average earning assets | $21,156,500 | 7,469 |
| Average equity | $4,312,250 | 6,978 |
| Average total loans | $10,075,250 | 7,491 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5001% | 2,510 |
| Cost of funding earning assets | 0.5086% | 7,536 |
| Net interest margin | 4.9915% | 427 |
| Noninterest income to average assets | 0.8056% | 2,087 |
| Noninterest expense to average assets | 3.6851% | 1,583 |
| Loan and lease loss provision to assets | 0.1543% | 5,358 |
| Net operating income to assets | 1.1484% | 1,702 |
| Return on assets (ROA) | 1.1484% | 1,764 |
| Pretax return on assets | 1.5083% | 1,538 |
| Return on Equity (ROE) | 6.2340% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.2340% | 2,205 |
| Net charge-offs to loans | 0.3618% | 3,544 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 10.7778% | 1,841 |
| Efficiency ratio | 68.9103% | 4,397 |
| Assets per employee ($millions) | 1.6426% | 7,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 5,362 |
| Loan loss allowance to noncurrent loans | 25.1497% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 2.1785% | 3,284 |
| Noncurrent loans to loans | 4.8410% | 1,451 |
| Net loans and leases to total assets | 44.4536% | 6,887 |
| Net loans and leases to deposits | 55.1283% | 6,790 |
| Net loans and leases to core deposits | 57.8977% | 6,832 |
| Total domestic deposits to total assets | 80.6366% | 5,526 |
| Equity capital to assets | 18.9981% | 343 |
| Core capital (leverage) ratio | 18.7938% | 304 |
| Tier 1 risk-based capital ratio | 42.3312% | 212 |
| Total risk-based capital ratio | 43.5520% | 210 |
| Memoranda: | ||
| Average total assets | $23,337,330 | 7,549 |
| Average earning assets | $21,236,000 | 7,526 |
| Average equity | $4,299,000 | 7,013 |
| Average total loans | $9,949,000 | 7,555 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4840% | 2,665 |
| Cost of funding earning assets | 0.5465% | 7,608 |
| Net interest margin | 4.9375% | 477 |
| Noninterest income to average assets | 0.7997% | 2,022 |
| Noninterest expense to average assets | 3.7435% | 1,426 |
| Loan and lease loss provision to assets | 0.1531% | 5,004 |
| Net operating income to assets | 1.0039% | 2,165 |
| Return on assets (ROA) | 1.0039% | 2,232 |
| Pretax return on assets | 1.3613% | 1,875 |
| Return on Equity (ROE) | 5.5347% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.5347% | 2,850 |
| Net charge-offs to loans | 0.6565% | 2,183 |
| Credit loss provision to net charge-offs | 56.2500% | 4,379 |
| Earnings coverage of net charge-offs (x) | 5.5625% | 2,373 |
| Efficiency ratio | 71.1974% | 4,085 |
| Assets per employee ($millions) | 1.6401% | 7,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 5,447 |
| Loan loss allowance to noncurrent loans | 17.8411% | 7,116 |
| Noncurrent assets plus other real estate owned to assets | 2.9049% | 2,469 |
| Noncurrent loans to loans | 6.7881% | 896 |
| Net loans and leases to total assets | 42.2760% | 7,109 |
| Net loans and leases to deposits | 52.1433% | 7,033 |
| Net loans and leases to core deposits | 53.3088% | 7,143 |
| Total domestic deposits to total assets | 81.0766% | 5,433 |
| Equity capital to assets | 18.7013% | 360 |
| Core capital (leverage) ratio | 18.4537% | 345 |
| Tier 1 risk-based capital ratio | 42.4728% | 220 |
| Total risk-based capital ratio | 43.6499% | 216 |
| Memoranda: | ||
| Average total assets | $23,507,500 | 7,638 |
| Average earning assets | $21,225,500 | 7,623 |
| Average equity | $4,264,000 | 7,089 |
| Average total loans | $9,749,000 | 7,663 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5303% | 3,987 |
| Cost of funding earning assets | 0.8445% | 7,493 |
| Net interest margin | 4.6858% | 856 |
| Noninterest income to average assets | 0.8710% | 2,071 |
| Noninterest expense to average assets | 4.1539% | 1,157 |
| Loan and lease loss provision to assets | 0.5471% | 3,633 |
| Net operating income to assets | 0.2845% | 4,592 |
| Return on assets (ROA) | 0.2845% | 4,680 |
| Pretax return on assets | 0.4202% | 4,437 |
| Return on Equity (ROE) | 1.5415% | 5,069 |
| Retained earnings to average equity (ytd only) | 1.5415% | 3,997 |
| Net charge-offs to loans | 0.2275% | 5,196 |
| Credit loss provision to net charge-offs | 595.2381% | 502 |
| Earnings coverage of net charge-offs (x) | 10.5238% | 1,675 |
| Efficiency ratio | 81.1111% | 2,730 |
| Assets per employee ($millions) | 1.8503% | 7,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 4,747 |
| Loan loss allowance to noncurrent loans | 31.0345% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 1.6879% | 3,834 |
| Noncurrent loans to loans | 4.1977% | 1,739 |
| Net loans and leases to total assets | 39.6857% | 7,366 |
| Net loans and leases to deposits | 48.3048% | 7,342 |
| Net loans and leases to core deposits | 51.9143% | 7,525 |
| Total domestic deposits to total assets | 82.1568% | 4,882 |
| Equity capital to assets | 17.6021% | 488 |
| Core capital (leverage) ratio | 18.0647% | 405 |
| Tier 1 risk-based capital ratio | 40.8766% | 237 |
| Total risk-based capital ratio | 42.0931% | 233 |
| Memoranda: | ||
| Average total assets | $22,846,200 | 7,709 |
| Average earning assets | $20,722,200 | 7,686 |
| Average equity | $4,216,800 | 7,203 |
| Average total loans | $9,230,400 | 7,730 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5945% | 3,897 |
| Cost of funding earning assets | 0.8803% | 7,591 |
| Net interest margin | 4.7142% | 809 |
| Noninterest income to average assets | 0.8457% | 2,221 |
| Noninterest expense to average assets | 4.1399% | 1,089 |
| Loan and lease loss provision to assets | 0.6860% | 2,682 |
| Net operating income to assets | -0.0236% | 5,747 |
| Return on assets (ROA) | -0.0236% | 5,810 |
| Pretax return on assets | 0.2957% | 5,075 |
| Return on Equity (ROE) | -0.1265% | 5,796 |
| Retained earnings to average equity (ytd only) | -0.1265% | 5,237 |
| Net charge-offs to loans | 0.2924% | 4,197 |
| Credit loss provision to net charge-offs | 580.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 8.2988% | 2,274 |
| Efficiency ratio | 80.8314% | 2,730 |
| Assets per employee ($millions) | 1.6751% | 7,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 4,810 |
| Loan loss allowance to noncurrent loans | 45.0382% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 1.1172% | 4,846 |
| Noncurrent loans to loans | 2.7790% | 2,733 |
| Net loans and leases to total assets | 39.6998% | 7,478 |
| Net loans and leases to deposits | 48.3963% | 7,480 |
| Net loans and leases to core deposits | 53.1696% | 7,616 |
| Total domestic deposits to total assets | 82.0306% | 4,663 |
| Equity capital to assets | 17.7647% | 532 |
| Core capital (leverage) ratio | 18.0128% | 454 |
| Tier 1 risk-based capital ratio | 42.1873% | 247 |
| Total risk-based capital ratio | 43.3823% | 241 |
| Memoranda: | ||
| Average total assets | $22,544,250 | 7,787 |
| Average earning assets | $20,448,250 | 7,770 |
| Average equity | $4,212,500 | 7,278 |
| Average total loans | $9,120,000 | 7,812 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8875% | 2,648 |
| Cost of funding earning assets | 0.9027% | 7,691 |
| Net interest margin | 4.9848% | 449 |
| Noninterest income to average assets | 0.8273% | 2,284 |
| Noninterest expense to average assets | 4.2083% | 1,063 |
| Loan and lease loss provision to assets | 0.1619% | 5,445 |
| Net operating income to assets | 0.4406% | 4,334 |
| Return on assets (ROA) | 0.4406% | 4,443 |
| Pretax return on assets | 0.9262% | 3,255 |
| Return on Equity (ROE) | 2.3179% | 5,172 |
| Retained earnings to average equity (ytd only) | 2.3179% | 4,048 |
| Net charge-offs to loans | 0.1331% | 4,832 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 20.1667% | 1,324 |
| Efficiency ratio | 79.4567% | 3,132 |
| Assets per employee ($millions) | 1.5688% | 8,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3671% | 7,934 |
| Loan loss allowance to noncurrent loans | 12.9278% | 7,428 |
| Noncurrent assets plus other real estate owned to assets | 1.1176% | 4,718 |
| Noncurrent loans to loans | 2.8396% | 2,537 |
| Net loans and leases to total assets | 39.2147% | 7,582 |
| Net loans and leases to deposits | 47.9601% | 7,569 |
| Net loans and leases to core deposits | 52.6682% | 7,691 |
| Total domestic deposits to total assets | 81.7653% | 4,788 |
| Equity capital to assets | 18.0520% | 543 |
| Core capital (leverage) ratio | 18.4183% | 466 |
| Tier 1 risk-based capital ratio | 44.0435% | 236 |
| Total risk-based capital ratio | 44.3961% | 245 |
| Memoranda: | ||
| Average total assets | $22,242,000 | 7,870 |
| Average earning assets | $19,940,670 | 7,861 |
| Average equity | $4,228,000 | 7,327 |
| Average total loans | $9,017,330 | 7,898 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4868% | 891 |
| Cost of funding earning assets | 0.8799% | 7,835 |
| Net interest margin | 5.6069% | 156 |
| Noninterest income to average assets | 0.7964% | 2,349 |
| Noninterest expense to average assets | 4.5006% | 706 |
| Loan and lease loss provision to assets | 0.1667% | 4,797 |
| Net operating income to assets | 0.7038% | 3,539 |
| Return on assets (ROA) | 0.7038% | 3,728 |
| Pretax return on assets | 1.2039% | 2,616 |
| Return on Equity (ROE) | 3.6036% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.6036% | 3,889 |
| Net charge-offs to loans | 0.2248% | 3,293 |
| Credit loss provision to net charge-offs | 180.0000% | 2,412 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,640 |
| Efficiency ratio | 76.6562% | 3,377 |
| Assets per employee ($millions) | 1.4718% | 8,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2915% | 8,036 |
| Loan loss allowance to noncurrent loans | 4.4521% | 7,552 |
| Noncurrent assets plus other real estate owned to assets | 2.6453% | 2,169 |
| Noncurrent loans to loans | 6.5486% | 666 |
| Net loans and leases to total assets | 40.2772% | 7,549 |
| Net loans and leases to deposits | 49.9466% | 7,497 |
| Net loans and leases to core deposits | 52.6652% | 7,711 |
| Total domestic deposits to total assets | 80.6405% | 5,118 |
| Equity capital to assets | 19.1919% | 468 |
| Core capital (leverage) ratio | 19.5759% | 416 |
| Tier 1 risk-based capital ratio | 45.3301% | 248 |
| Total risk-based capital ratio | 45.6082% | 256 |
| Memoranda: | ||
| Average total assets | $21,597,000 | 7,936 |
| Average earning assets | $19,547,500 | 7,919 |
| Average equity | $4,218,000 | 7,378 |
| Average total loans | $8,895,000 | 7,957 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6369% | 2,305 |
| Cost of funding earning assets | 1.0463% | 8,033 |
| Net interest margin | 5.5906% | 184 |
| Noninterest income to average assets | 0.9421% | 1,806 |
| Noninterest expense to average assets | 4.4438% | 916 |
| Loan and lease loss provision to assets | 0.2757% | 4,187 |
| Net operating income to assets | 0.8088% | 3,402 |
| Return on assets (ROA) | 0.8088% | 3,242 |
| Pretax return on assets | 1.3051% | 2,295 |
| Return on Equity (ROE) | 4.2582% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.0163% | 2,632 |
| Net charge-offs to loans | 1.7799% | 617 |
| Credit loss provision to net charge-offs | 38.7097% | 6,465 |
| Earnings coverage of net charge-offs (x) | 2.2194% | 4,967 |
| Efficiency ratio | 73.7605% | 3,623 |
| Assets per employee ($millions) | 1.3198% | 8,200 |
| Cash dividends to net income (ytd only)* | 5.6818% | 4,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2480% | 8,126 |
| Loan loss allowance to noncurrent loans | 4.2885% | 7,551 |
| Noncurrent assets plus other real estate owned to assets | 2.4293% | 1,996 |
| Noncurrent loans to loans | 5.7822% | 651 |
| Net loans and leases to total assets | 41.9094% | 7,595 |
| Net loans and leases to deposits | 52.5160% | 7,511 |
| Net loans and leases to core deposits | 54.3946% | 7,788 |
| Total domestic deposits to total assets | 79.8030% | 5,100 |
| Equity capital to assets | 19.8845% | 473 |
| Core capital (leverage) ratio | 19.4894% | 469 |
| Tier 1 risk-based capital ratio | 45.8506% | 251 |
| Total risk-based capital ratio | 46.0908% | 260 |
| Memoranda: | ||
| Average total assets | $21,760,800 | 7,958 |
| Average earning assets | $19,783,200 | 7,948 |
| Average equity | $4,133,200 | 7,458 |
| Average total loans | $8,708,400 | 8,006 |